Furnace cost calculator
Heating & Furnace cost estimator
Estimate furnace + heating-system replacement — gas, electric, oil-to-gas conversion, oil-to-heat-pump, boiler, radiant — with state-adjusted 2026 pricing. Answer 4 quick questions and get a state-adjusted cost breakdown.
What heating system are you installing?
Frequently asked questions
State-specific furnace cost guides
Long-form 2026 guides with metro-level labor rates, permit details, and budgeting tips — written specifically for 5 states.
HVAC
HVAC Cost in Arizona 2026 — Phoenix Summer-Load Math + APS/SRP/TEP Heat-Pump Rebates
Real 2026 Arizona HVAC pricing for 110°F+ summer load — central AC ($7K-$14K) vs SEER2 18+ heat pump ($13K-$24K). APS / SRP / TEP rebate math, demand-charge avoidance, and why high-SEER pays off faster in AZ than anywhere else.
Read the guide
Furnace
Furnace Cost in Massachusetts 2026 — Oil-to-Heat-Pump Conversion Math + Mass Save 75-100% Stack
Real 2026 Massachusetts heating-system pricing — oil-to-heat-pump conversion ($13K-$22K before incentives, $4K-$10K after Mass Save stack), boiler replacement ($9K-$16K), gas furnace ($5.5K-$11K). Why MA has the best heat-pump conversion economics in the US.
Read the guide
Insulation
Insulation Cost in Massachusetts 2026 — The Mass Save 75-100% Rebate Playbook
Real 2026 Massachusetts insulation pricing — attic, walls, crawlspace, whole-home weatherization. The Mass Save 75-100% rebate playbook (most US homeowners pay $0-$1,200 out-of-pocket), prerequisite for heat-pump conversion, and how to game the free home energy assessment.
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Furnace
Furnace Cost in Minnesota 2026 — Cold-Climate Heat Pump Math at −20°F and Why Dual-Fuel Wins
Real 2026 Minnesota heating-system pricing — gas furnace ($6K-$12K), cold-climate heat pump ($14K-$24K), dual-fuel ($17K-$28K). Xcel Energy + CenterPoint rebate stack, MN HEEHRA launch math, and why dual-fuel beats both single-system paths in MN.
Read the guide
HVAC
HVAC Cost in Texas 2026 — Summer-Load Math, ERCOT Time-of-Use, and Heat-Pump Payback
Real 2026 Texas HVAC pricing — central AC ($6.5K-$13K) vs heat pump ($11K-$22K) — sized for 95°F-day cooling loads. ERCOT time-of-use rate math, Oncor/CenterPoint utility rebates, and why TX heat-pump payback runs faster than the national average.
Read the guideEstimate furnace + heating-system replacement — gas, electric, oil-to-gas conversion, oil-to-heat-pump, boiler, radiant — with state-adjusted 2026 pricing. Our 2026 furnace cost model combines state-specific labor + materials data with a quality-tier multiplier and a 3-input scope wizard, so the band you see reflects YOUR specific project — not a national average. Like-for-like gas furnace swap: 1 day. Oil-to-gas conversion: 2–3 days (line install + tank removal). Oil-to-heat-pump conversion: 3–5 days (electrical service upgrade often required). Boiler replacement: 2–4 days. Radiant retrofit: 2–4 weeks (depending on scope and finish-floor work). Whatever you do, don't budget against a 2019-2021 number — 2022-2024 construction inflation was 18-30% and only partially mean-reverted.
How this calculator works
- What heating system are you installing? — Pick from: Gas furnace replacement, Electric furnace, Oil-to-gas conversion, Oil-to-heat-pump conversion, Boiler / radiant. The choice maps to a specific cost band in our 2026 dataset.
- How large is the heated area? — Pick from: Under 1,500 sqft, 1,500–2,500 sqft, Over 2,500 sqft. The choice maps to a specific cost band in our 2026 dataset.
- Standard / high-efficiency / premium? — Pick from: Budget, Mid-range, High-end. The choice maps to a specific cost band in our 2026 dataset.
- Pick your state — Heating & Furnace cost varies materially by state — California and New York run ~40% above the national base, midwest states ~15% below. Our state multiplier adjusts the 3-input base estimate to your local labor + materials market.
- Review the range, not a single number — 2026 furnace pricing is too project-specific for a single number to be honest. We give you a low–high band that covers ~70% of realistic 2026 quotes for that scope in that state. Treat the midpoint as your planning anchor, the upper bound as your contingency floor.
When to use this vs. skip it
Pre-quote sanity check
Run this BEFORE the first contractor walks your property. Knowing the realistic 2026 range for your furnace project (state-adjusted) keeps you from getting baseline-shifted on the first quote.
Comparing 2-3 written quotes
If one of your contractor quotes lands more than 25% above our state-adjusted band, request a line-item breakdown — that's almost always the gap between "fair" and "padded."
Budgeting a future furnace project
Most homeowners budget against a 2019-2021 number they remember. 2022-2024 saw 18-30% labor and materials inflation. Run our numbers so your budget reflects 2026 reality.
Right-sizing a renovation loan
Borrowing too little forces emergency credit mid-project at 22-29% rates. Our estimate + your contingency (we recommend 15%) sizes the financing correctly the first time.
Common mistakes homeowners make
- ×Skipping: Oil-to-heat-pump conversion qualifies for the FULL $2,000 federal 25C credit AND HEEHRA stack — cumulative incentives often offset 35–55% of the conversion cost in 2026.
- ×Skipping: Electric resistance furnaces are 3× more expensive to run than heat pumps in most US climates — if you're on electric heat, the heat pump payback is usually under 5 years.
- ×Don't undersize. Manual J load calculation ($150–$400) prevents the #1 furnace failure mode: short-cycling from oversized equipment that runs in 4-minute blasts and stresses the heat exchanger.
- ×Skipping: If you have a boiler / radiant system, upgrade the boiler — DON'T rip out the radiant. Radiant floor heat is one of the highest-comfort, longest-lifecycle (40–60 yr) systems in residential HVAC.
- ×Accepting the first contractor quote without 2-3 written comparisons.
- ×Forgetting the 10-15% contingency line — every 2026 furnace project has at least one mid-job surprise.
- ×Underweighting the permit + inspection timeline; permits run 1-4 weeks BEFORE work begins in most U.S. cities.
Last updated · Reviewed by the HavenCostGuide methodology desk
Furnace cost by state
See state-specific cost ranges and FAQs for heating & furnace projects.